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Dental

Davidson College provides two different levels of dental coverage through MetLife that employees can evaluate based on personal need. Both offer excellent preventative care coverage and have different levels of coverage for other procedures.

The Dental Low Plan covers 100 percent of preventive and diagnostic services and 80 percent after deductible of basic restorative services such as fillings and crown repairs. The Dental High Plan covers the same as well as 50 percent of major restorative services such as crowns, dentures and oral surgery. The High Plan also includes up to $1,000 for orthodontia for dependents age 26 and younger.

Eligibility

  • All regular full-time employees, effective the first day of the month after 30 days of continuous service
  • All regular part-time employees (budgeted for at least 1,000 hours/year), effective the first of the month after 30 days of continuous service

2017 Dental (Low Plan)

MetLife Low Plan
Monthly
Bi-Weekly
Employee Only $21.07 $9.72
Employee + Spouse $46.10 $21.28
Employee + Child $58.38 $26.94
Family $85.29 $39.36
  • MetLife's Low Option plan covers preventative care and a percentage of other services. 
  • Excludes major services and orthodontia.
  • Refer to the High and Low Plan Summaries (PDF) for specific service classes and percentage covered.

2017 Dental (High Plan)

MetLife Low Plan
Monthly
Bi-Weekly
Employee Only $36.06 $16.64
Employee + Spouse $75.28 $34.74
Employee + Child $88.61 $40.90
Family $132.15 $61.16
  • MetLife's High Option covers preventative care and other major services, including orthodontia.
  • Refer to the High and Low Plan Summaries (PDF) for specific service classes and percentage covered.

Deductibles

When you meet your deductible, the plan begins to pay based on the class of service.

DEDUCTIBLE–LOW PLAN                       
In-Network
Out-of-Network
Individual $50 $50
DEDUCTIBLE–HIGH PLAN                       
In-Network
Out-of-Network
Individual  $50  $50
Family $150 $150
  • In-network reimbursement levels are based on reduced contracted fees. 
  • Out-of-network reimbursement levels are 90 percent of reasonable and customary allowances.

Out-of-Pocket Maximums

OUT-OF-POCKET MAXIMUM–LOW PLAN   
(Class I, II expenses) 
In-Network
Out-of-Network
Individual   $850   $850
OUT-OF-POCKET MAXIMUM–HIGH PLAN  
(Class I, II, and III expenses–excludes
orthodontia)
In-Network
Out-of-Network
Individual $1,650 $1,650

FAQs

  • How much is orthodontia covered under the plan?
    • The plan pays 50 percent of costs up to $1,000 which is the lifetime maximum payment (i.e., the $1,000 per person is not paid each year for orthodontia–it is paid only once. Orthodontia is only covered under the High Plan.
  • Who is covered for orthodontia?
    • Orthodontia is only paid for dependent children to age 26, not adults.
  • How much does the plan cover for preventative care?
    • Both plans cover the oral exams and routine cleanings at 100 percent after meeting the annual deductible.

Documents and Forms

Vendor Information

MetLife
Visit the MetLife website.